By CreditNinja
Modified on June 13, 2024

725 falls within the “good” credit category. Good FICO Scores range from 670 to 739 points. 

A 725 score is on the higher end of the “good” category and is very close to being a “very good” score.

If you have this credit score, you should know that you have a higher score than the average American consumer. The average credit score for 2023 was reported to be 716 by Experian.¹

Key Takeaways for a 725 Credit Score

Overview of Your
Credit Rating

725 is a good credit score. A good score indicates that a borrower is a moderate to low credit risk.

Borrowing Options With a
725 Credit Score

Borrowers with good credit scores generally have no issues qualifying for a loan or credit card.

Maintaining a 725
Credit/FICO Score

You can maintain a good credit score by keeping your credit utilization rate low, paying bills on time, and limiting your credit inquiries.

Is a 725 Credit Score Good?

A 725 FICO score is considered to be good. Borrowers with good credit can typically qualify for most financial products because their score demonstrates that they have an established history of adequate financial management. By continuing to responsibly manage credit, good credit borrowers can gain additional points to obtain “very good” and even “excellent” credit ratings.

What Can I Get Approved For?


4.9 Trustpilot Rating

  • Personal loans
  • Car loan refinance
  • Low fixed rates
  • No hidden fees

Upstart is an online lending platform that partners with banks to provide personal loans from $1,000-$50,000. Upstart goes beyond traditional lending metrics to help borrowers find financing that considers their education, work experience, and more.

Min Credit Score Depends on Specific Lender


4.6 Google Rating

  • Highest payouts
  • Instant cashouts
  • Daily bonuses
  • No credit score required

With Freecash, you get paid for testing apps, games, and surveys. Start by choosing an offer on the ‘earn’ page. Most offers only take 5-10 minutes to complete. Once you complete the offer, you’ll be rewarded with coins that you can exchange for cash.

No Minimum Credit Score Required


4.8 Google Rating

  • Network of lenders
  • Home purchase
  • Home equity line of credit
  • Home refinance

eMortgage is here to help you find the right home loan, refinance, HELOC, or reverse mortgage you need. Fill out some simple information about the type of property and loan you need, and they’ll connect you with up to 5 lenders who can help.

Min Credit Score Will Depend on the Lender You Choose

If you have a decent credit score, you can likely get approved for the following loan options:

Personal Loans

While most personal loan lenders require good credit for qualification, there are some lenders that offer bad credit loans. If you have decent credit, you have more borrowing options and can get decent loan terms and rates. Personal loans can offer small to large lump sums, so you can use them for all types of unexpected expenses. 

Bank Loans

Banks offer all types of installment loans, such as mortgages, home equity loans, and student loans. A good credit score may make you eligible for most of these loan products. But keep in mind that decent credit does not guarantee approval, as there are other qualification requirements you may have to meet. 

Credit Cards

A good credit score can make you eligible for the best rewards credit cards on the market. A rewards card lets you earn points, cash back, or travel miles through everyday purchases. By simply using your credit card, you could save money and earn perks. 

These are some of the best rewards cards for good credit scores:

  • Wells Fargo Active Cash® Card
  • Bank of America® Travel Rewards Credit Card
  • Chase Freedom Unlimited®
  • Discover it® Cash Back
  • Blue Cash Preferred® Card from American Express
  • Capital One Venture Rewards Credit Card

Car Loans

A car loan generally requires a good FICO Score and a down payment. If you have a 725 credit score, you could be eligible to buy a new or used car. But keep in mind that a decent APR may still result in a pricey loan if you opt for an extended repayment plan and provide a small down payment

Products To Help Maintain a 725 Credit Score

These are some beneficial products that can help borrowers maintain their good credit scores:

Credit Monitoring 

Monitoring your credit score and your credit reports can help you stay up to date on your financial activity and its effect on your credit. It’s critical to know your score so you understand how you look to lenders. Looking at your credit reports at least once a year can help you detect any inaccurate information or fraudulent activity.

Here are a few ways to monitor your credit:

Method Description Pros Cons
Annual Credit Report Obtain a free credit report once a year from each of the three major credit bureaus through – Free
– Comprehensive
– Only once a year
– No credit score, just the report
Credit Card Companies Many credit card issuers provide free credit score access to their customers, often updated monthly. – Free
– Regular updates
– May only be available to customers
Credit Monitoring Services Services like Credit Karma offer free credit score monitoring, while others may charge a fee for more comprehensive monitoring services. – Often free
– Regular updates
– Alerts
– Paid services offer more features
Bank or Credit Union Some banks and credit unions offer free credit score monitoring to their members or account holders. – Free
– Convenient access
– May require an account
Direct From Credit Bureaus You can purchase your credit score directly from the credit bureaus. They may also offer credit monitoring services for a monthly fee. – Direct from source
– Detailed information
– Costs money

Budgeting Apps

Budgeting apps provide useful features that can help borrowers better manage their finances. When you are clearly able to see your financial habits and monthly expenses, you can start developing better habits. 

YNAB is one of the most popular budgeting apps on the market. Once the free trial ends, the month-to-month subscription will cost $14.99. The YNAB app uses the zero-based budget method, which assigns every dollar to a specific spending category. 

Automatic Payments

An automatic payment is a feature that allows a business to automatically charge your card on file on a specified date. Approximately 39% of consumers across all income levels pay their recurring monthly bills using automatic payment.² Signing up for automatic payments allows consumers to avoid late payments that can damage their credit history. Unfortunately, a late payment can appear on a credit report and decrease your hard-earned good credit score. 

Benefits of a 725 Credit Score

Here are a few benefits you can look forward to with a 725 credit score:

Lower Interest Rates

If you have a good credit history, you are likely to get a low rate on a new loan or credit card. Lenders may consider you low-risk, which means they may offer you great terms and rates to work with you. Low rates on credit accounts can save you a lot of money!

Lower Insurance Premiums

Believe it or not, your credit scores can influence your insurance costs. When you apply for insurance, companies will look at your credit history. If you responsibly manage your finances and credit accounts, you can get lower premiums on home and auto insurance.

Higher Credit Limits On Credit Cards

Having a good credit history can help you get a higher credit limit. Your credit limit determines your spending and withdrawal limits. High credit limits can provide you with enough funding for unexpected expenses that need quick resolutions. 

How To Maintain Your 725 Credit Score

Consider following some of these tips to maintain your current credit score: 

Keep Your Credit Utilization Low

Your credit utilization rate is a percentage that represents the difference between your total credit limits and the amount of credit you are using. For example, if your total credit limit across multiple credit cards is $8,000 and you have $1,200 in credit card debt, your total credit utilization rate is 15%. If you want to maintain a good FICO Score, keep your credit utilization as low as possible. 

Avoid Late Payments 

Maintaining a positive payment history can also help borrowers maintain good FICO Scores. A person’s payment history makes up 35% of a FICO Score, so it is the single most important factor for credit score calculation. To avoid potential late payments, consider signing up for autopay or monthly payment alerts.   

Avoid Closing Accounts 

The length of your credit history directly affects your credit scores. If you close an old credit account, the average length of your revolving credit accounts will be affected, and your credit score can decrease. If you want to maintain good credit, avoid closing old accounts. Keep in mind that creditors close paid accounts if they go unused for extended periods. 

FAQs About 725 Credit Scores

Lenders and credit bureaus view a lengthy credit history as evidence of your ability to manage credit responsibly over time. It gives them more data to assess your financial behavior. While your FICO Score is influenced by many factors, a longer history can contribute to its stability and potential growth.

Yes, diversifying your financial profile can help boost your 725 credit score. Your credit mix refers to the different types of credit accounts you have, including credit cards, auto loans, mortgages, and student loans. Credit scoring models, like the FICO Score, consider a varied credit mix beneficial because it demonstrates your ability to manage multiple types of credit responsibly.

A 725 score is generally considered good and may not require a cosigner loan. However, the requirement for a cosigner can depend on several factors beyond credit scores, including the lender’s criteria, the loan amount, and your income stability. While a 725 FICO Score indicates to lenders that you’re a responsible borrower, they may also consider your debt-to-income ratio and employment history.

What Interest Rate Can I Get With a 725 Credit Score?

Borrowers with a good credit score can get decent interest rates on loans and credit cards. Borrowers with a 725 score can expect to get better rates than low-credit borrowers. However, rates will not be as low as they usually are for borrowers with “very good” or “excellent” credit. 

Can I Buy a House With a 725 Credit Score?

Good credit scores can make it easier for borrowers to qualify for mortgage loans. When someone wants to purchase a home, they have to consider whether they want a home loan that is backed by the government. Most mortgage lenders offer conventional mortgages, which are not backed by the government. Conventional loans can provide lower rates and higher loan limits, but they require higher FICO Scores.

Top 5 Resources for a 725 Credit Score

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